Frontwave Credit Union

Overview / Commentary
1278 Rocky Point Dr
Oceanside, CA 92056

Frontwave Credit Union is headquartered in Oceanside and is the 50th largest credit union in the state of California. It is also the 341st largest credit union in the nation. It was established in 1952 and as of June of 2023, it had grown to 257 employees and 122,943 members at 13 locations. Frontwave Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Frontwave Credit Union is open to those who live, work, or worship in the California counties of Riverside, San Bernadino, or San Diego. Immediate family members of current Frontwave Credit Union members also qualify.
See current membership details

Related Posts

Frontwave Credit Union 18-Month CD Special Has Near Rate-Leading APY - 9/12/2023

Frontwave Credit Union (Southern California) has brought back its 18-month CD Special with a near rate-leading APY. $1k minimum deposit of new money.

Frontwave Credit Union 5.50% APY On 12 Month CD - 4/4/2023

The offer came to me via email today. Mostly for those in So Cal. You would have to check DA's info to see who qualifies. Just posting as it is a new rate for them. As a CU they don't have much of anything attractive in my opinion. This is a special offering and only from 4/1 to 4/30.

Frontwave Credit Union (CA) Unveils Rate-Leading 18-Month CD Special - 2/2/2023

Frontwave Credit Union (Southern California) has added 10-month and 18-month CD Specials with rate-leading APYs. $1k minimum deposit of new money.

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Easy To Work With

Posted by: |

I opened a 6% 18 month Cd in the Escondido branch.
It was very easy and the representative was friendly and accomodating. As my other Cds mature I will buy new ones from Frontline. Very happy with the process

Excellent Service- Great People

Posted by: |

I jumped on the 6% cd. I called a specific person that I had dealt with in the past and she reopened my account- no problem. By the end of the afternoon I had all funds transferred and cd opened in my trust. A piece of cake! All efficient people working. there and they remembered me.

A great local credit union

Posted by: |

Back when I used to live in California, they had a branch out in Barstow, CA. It was an extremely big building and welcoming. It was also very professional looking, though they had more tellers than necessary at most times. The staff would always greet you with a smile and if you had an issue with filling out paperwork they were happy to help or send me to the appropriate department. I wasn't sure what the tellers were capable of since I was young, but they're very nice to those new to banking. The interest rates for just about anything beat the major banks out there. The one thing they were a decade behind on was an online presence. It looks like they've improved upon that since I was last with them. Their branch is only available in California, but I strongly recommend them. If they are not available to you, they recommended us to fairwinds when we moved and their services are equal. That includes fees for things like an inactive debit card, not meeting your monthly minimum deposit, etc. Either way, it's a good place.

False Credit Reporting

Posted by: |

Frontwave Credit Union reported me 30 days late IN ERROR and won’t fix it. They are costing me perfect credit because they don’t want to admit that their online banking system reports incorrect information. I’ve contacted their Call Center and Lending Department, written letters, everything and they refuse to take ownership. Hours of my time and they won’t fix their mistake. Don’t believe the false advertising. Worst part is I used to work here so I know how bad their systems are. This credit Union doesn’t know what they’re doing. Absolutely the worst.



Health Grade Components

NCUA #68494
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD2.9%
Annual Interest Income$24.0MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.36B$1.26B
LoansQ2 2023vs Q2 2022$926.6MM$771.8MM
DepositsQ2 2023vs Q2 2022$1.20B$1.08B
Equity CapitalQ2 2023vs Q2 2022$87.9MM$91.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.8MM$1.9MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Frontwave Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Frontwave Credit Union Savings Account Rates

0.05%$5-Share Savings Account
0.05%--Individual Retirement Account
0.05%--Teen Savings
0.05%--Kids Savings

Frontwave Credit Union Money Market Rates

0.80%*$1m*-Money Market
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $100k | 0.20% $100k - $250k | 0.40% $250k - $500k | 0.60% $500k - $1m
0.80%*$1m*-Money Market IRA
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $100k | 0.20% $100k - $250k | 0.40% $250k - $500k | 0.60% $500k - $1m

Frontwave Credit Union Checking Account Rates

0.05%$5-Dividend Plus
0.01%$5-Business Dividend

Frontwave Credit Union CD Rates

5.50%$1k-18 Month Certificate Special - New Money
5.00%$1k-10 Month Certificate Special - New Money
3.75%$1k-2 Year Share Certificate
3.00%$1k-1 Year Share Certificate
3.00%$1k-3 Year Share Certificate
3.00%$1k-4 Year Share Certificate
3.00%$1k-5 Year Share Certificate
3.00%$100$5001 Year Military Saver Certificate
1.50%$1k-6 Month Share Certificate
1.20%$100$5003 Year Military Saver Certificate
1.10%$100$5002 Year Military Saver Certificate
0.95%$100$5003 Year Saver Certificate
0.85%$100$5002 Year Saver Certificate
0.80%$100$5006 Month Military Saver Certificate
0.65%$100$5001 Year Saver Certificate
0.55%$100$5006 Month Saver Certificate

Frontwave Credit Union IRA Rates

5.00%$1k-18 Month IRA Share Certificate
4.50%$1k-10 Month IRA Share Certificate
3.25%$1k-2 Year IRA Share Certificate
2.50%$1k-1 Year IRA Share Certificate
2.50%$1k-3 Year IRA Share Certificate
2.50%$1k-4 Year IRA Share Certificate
2.50%$1k-5 Year IRA Share Certificate
1.00%$1k-6 Month IRA Share Certificate


San Diego Area

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